JP2005251056A - Settlement system, settlement terminal and settlement confirmation method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a personal identification means for identifying that a user is an owner himself/herself without rasing costs of a portable information terminal in a settlement method for using the portable information terminal such as a cellular phone in place of a settlement card. <P>SOLUTION: The portable information terminal is provided with a storage part which stores settlement card information and identification information, and a communication part which transmits the settlement card information and the identification information stored in the storage part to a settlement terminal. A settlement server is provided with a storage part which stores personal information by associating it with the identification information, and a communication part which receives the identification information and transmits the personal information retrieved based on the identification information. The settlement terminal is provided with a communication part which receives settlement card information identification information from the portable information terminal, a communication part which transmits the identification information to the settlement server and receives the personal information from the settlement server, and an output part which outputs the personal information received from the settlement server and confirms a settling person based on the personal information outputted by the output part of the settlement terminal. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a payment system, a payment terminal, and a payment confirmation method.

  In recent years, with the spread of credit cards and debit cards, payment terminals are installed in stores. When a transaction is made using a payment card such as a credit card or debit card, the payment terminal determines whether or not the transaction can be performed using the payment card through communication using a telephone line or the like. The purpose is to confirm with the settlement server and perform settlement processing.

  Hereinafter, a conventional card settlement method will be described with reference to FIG. Reference numeral 300 is a payment terminal, 301 is a display unit, 302 is a keyboard, 303 is a card reader, 304 is a printer, 305 is a communication line, 310 is a communication network, 320 is a card company, 321 is a payment server, and 330 is a payment card.

  When a customer wishes to make a payment using a payment card at the store, the store clerk takes the payment card 330 from the customer, passes the payment card 330 through the card reader 303 of the payment terminal 300, and sets the payment card information (membership number, etc.). Read. Next, the store clerk inputs the payment amount from the keyboard 302 and transmits the read payment card information and payment amount information to the payment server 321 in the card company 320 via the communication network 310 using the communication line 305.

The settlement server 321 determines whether or not the transaction is possible based on the transmitted payment card information and payment amount information, and returns the transaction availability result information to the settlement terminal 300 via the communication network 310. The settlement terminal displays the transaction availability result information on the display 301, and prints a transaction slip using the printer 304 when the transaction is possible. The clerk gets the customer's signature on the printed transaction slip. The back of the customer's payment card 330 is signed by the owner of the payment card, and the store clerk compares the signature on the transaction slip with the signature on the back of the payment card 330 so that the customer is the owner of the payment card. I can confirm that.

Recently, with the widespread use of mobile phones, mobile phones have become representatives of portable information terminals that are generally carried. Therefore, a payment method using a mobile phone instead of a payment card by operating payment card information such as a membership number on the memory of the mobile phone has begun to be used.

A settlement method using a mobile phone instead of a card will be described with reference to FIG.
400 is a payment terminal, 401 is a display unit, 402 is a keyboard, 403 is a wireless communication unit, 404 is a communication line, 410 is a communication network, 410 is a communication network, 420 is a card company, 421 is a payment server, 430 is a mobile phone, 431 is A storage unit, 432 is a wireless communication unit, and 440 is a mobile phone communication network.

  As an advance preparation for using a mobile phone in place of a payment card, the owner of the mobile phone connects the mobile phone 430 to the payment server 421 of the card company 420 via the mobile phone communication network 440 in advance, The payment card information is acquired by downloading the payment card information (membership number, etc.) and stored in the storage unit 431.

After making the above preparations, when making a payment, the customer (owner of the mobile phone) operates the mobile phone 430, and the wireless communication unit 403 receives the payment card information in the storage unit 431 from the wireless communication unit 432. Send to. Payment terminal 400 receives payment card information from wireless communication unit 403. Next, the store clerk inputs the payment amount from the keyboard 402 and transmits the received payment card information and payment amount information to the payment server 421 in the information processing center 420 via the communication network 410 using the communication line 405. The settlement server 421 determines whether or not the transaction is possible based on the transmitted payment card information and payment amount information, and returns the transaction availability result information to the settlement terminal 400 via the communication network 410.

The settlement terminal displays the transaction availability result information on the display device 401 and prints a transaction slip using the printer 404 when the transaction is possible. The clerk gets the customer's signature on the printed transaction slip. However, unlike a payment method using a payment card at this time, the mobile phone does not have a column for the owner's signature or a signature written there like the payment card 330, so identity verification by comparing the signatures. I can't.

Further, as in Patent Document 1, a feature capturing unit that captures a user's features as feature data, a storage unit that stores matching data indicating a feature that can identify the user, and feature data captured from the feature capturing unit And collation means for comparing and collating the collation data stored in the storage means, and verifying the identity by comparing and collating the feature data fetched from the feature fetching means and the collation data stored in the storage means There are also things.
JP 2001-344544 A

    Unlike the payment method using a payment card, the payment method using a conventional mobile phone instead of a payment card as described above does not have a signature on the mobile phone. There was a risk that a person other than the owner would make a payment using a mobile phone when the phone was dropped.

    Further, in the method of Patent Document 1, it is possible to provide an identity verification means that the user is the owner, but the feature capturing means is required for each mobile information terminal, and the cost of the mobile information terminal increases. was there.

    According to the present invention, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, by providing a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. An object is to provide a payment method with excellent safety.

    In order to achieve this object, a first payment system of the present invention includes a portable information terminal, a payment server, and a payment terminal, and the portable information terminal stores payment card information and identification information of the portable information terminal. A storage unit; and a communication unit configured to transmit the payment card information stored in the storage unit and identification information of the portable information terminal to the payment terminal, wherein the payment server stores personal information of the payment person A storage unit that stores information associated with the identification information of the information terminal, a communication unit that receives the identification information of the portable information terminal from the payment terminal, and transmits personal information retrieved based on the identification information to the payment terminal; The payment terminal includes a first communication unit that receives payment card information and identification information of the portable information terminal from the portable information terminal, and transmits the identification information to the payment server. A second communicator that receives personal information from the payment server; and an output unit that outputs personal information received from the payment server, and is based on the personal information output by the output unit of the payment terminal. This is to confirm.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, in the second settlement system of the present invention, the settlement terminal comprises a settlement terminal body and a password input unit for communicating with the settlement terminal body, and the settlement terminal body is received from the settlement server. An output unit for outputting personal information is provided, and the payment terminal main body is arranged on the store clerk side.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, in the third settlement system of the present invention, the personal information output from the output unit of the settlement terminal is the signer's signature data.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, the fourth payment terminal of the present invention includes a receiving unit for receiving payment card information and identification information of the portable information terminal from the portable information terminal, and personal information of the settlement person as identification information of the portable information terminal. A communication unit that transmits the identification information received from the portable information terminal to a payment server stored in association with the communication information, and receives the personal information retrieved by the payment server based on the identification information from the payment server; And an output unit for outputting the personal information received from the settlement server.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, the fifth payment terminal of the present invention includes a payment terminal comprising a payment terminal main body and a personal identification number input unit for communicating with the payment terminal main body, and the payment terminal main body received from the payment server. An output unit for outputting personal information is provided, and the payment terminal main body is arranged on the store clerk side.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, the sixth payment terminal of the present invention is such that the personal information output by the output unit of the payment terminal is the signer's signature data.

By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, the seventh settlement confirmation method of the present invention includes a step of storing the personal information of a settlement person in association with identification information of a portable information terminal in a settlement server, and payment card information in the portable information terminal. Storing the identification information of the portable information terminal, transmitting the payment card information and the identification information of the portable information terminal from the portable information terminal to the payment terminal, and transferring the portable information terminal from the payment terminal to the payment server. Transmitting the identification information of the portable information terminal received from the information terminal, and transmitting the personal information searched based on the identification information received from the payment terminal in the payment server from the payment server to the payment terminal. And outputting the personal information received from the payment server to an output unit of the payment terminal. That.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of card payment, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  In order to achieve this object, in the eighth settlement confirmation method of the present invention, the personal information output to the output unit of the settlement terminal is the signer's signature data.

  By configuring in this way, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, a person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method that can be provided.

  As described above, according to the present invention, in a payment method using a portable information terminal such as a mobile phone instead of a payment card, the person confirmation means for confirming that the user is the owner without increasing the cost of the portable information terminal. It is possible to provide a secure payment method.

  Hereinafter, the best mode for carrying out the present invention will be described with reference to FIGS. 1 and 2. FIG.

(Embodiment 1)
In FIG. 1, 100 is a payment terminal, 101 is a display unit, 102 is a keyboard, 103 is a wireless communication unit, 104 is a printer, 105 is a communication line, 110 is a communication network, 120 is a card company, 121 is a payment server, and 122 is A storage unit, 123 is an input unit, 130 is a mobile phone, 131 is a storage unit, 132 is a wireless communication unit, and 140 is a mobile phone communication network.

The operation of the payment system having such a configuration will be described.
As an advance preparation for using the mobile phone instead of the card, the owner of the mobile phone connects the mobile phone 130 to the payment server 121 of the card company 120 via the mobile phone communication network 140 in advance, The card information is acquired by downloading the payment card information (membership number or the like), and the acquired payment card information and its own telephone number information are stored in the storage unit 131.

The owner of the mobile phone sends his / her phone number information and signature (handwriting) to the information processing center 120. In the information processing center 120, the sent telephone number information and signature data are input from the input unit 123 and stored in the storage unit 122 in association with each other.

  Of the above preparations, when making a payment, the customer (owner of the mobile phone) operates the mobile phone 130 to obtain the settlement card information and telephone number information registered in the storage unit 131 from the wireless communication unit 132. Transmission is performed toward the wireless communication unit 103 of the payment terminal 100. Payment terminal 100 receives payment card information and telephone number information from wireless communication unit 103. Next, the store clerk inputs the payment amount from the keyboard 102, and the payment terminal 100 uses the communication line 105 to store the received payment card information, telephone number information, and input payment amount information in the card company 120 via the communication network 110. To the settlement server 121. The settlement server 121 determines whether or not the transaction is possible based on the transmitted settlement card information and payment amount information. If it is determined that the transaction is possible, the signature data stored in association with the storage unit 122 is extracted from the transmitted telephone number information. Then, the transaction result information and the signature data are returned to the payment terminal 100 via the communication network 110. The settlement terminal displays the transaction availability result information on the display device 101 and prints a transaction slip using the printer 104 when the transaction is possible. The received signature data is displayed on the display unit 101. (At this time, the signature data may be printed separately from the transaction slip by using the printer 104.) The store clerk receives the customer's signature on the printed transaction slip. By comparing the signature on the slip with the signature data displayed on the display unit 101 (or separately printed signature data), it can be confirmed whether the user of the mobile phone is the owner. Thereby, it is possible to prevent a person other than the owner of the mobile phone from carrying out a card transaction using the mobile phone.

  As described above, according to the present embodiment, in the payment method using a portable information terminal such as a mobile phone instead of a payment card, it is possible to provide a person confirmation means for confirming that the user is the owner. , Providing a secure payment method. Here, the storage unit 131 and the wireless communication unit 132 of the mobile phone 130 are standardly equipped in the mobile phone in order to realize the basic functions of the mobile phone, and this configuration increases the cost of the mobile phone. There is no.

  In this example, the payment terminal display unit and printer are used as the signature data output unit in the payment terminal. However, other output units such as another display device or printing device connected to the payment terminal may be used. It is the same.

Although this example uses a mobile phone and telephone number information, the same applies when a mobile information terminal other than the mobile phone is used and the identification information of the mobile information terminal is used instead of the phone number information.
In this example, the sign data is used as the personal identification information. However, the same effect can be obtained with other personal identification data such as face photo data and whole body photo data.

(Embodiment 2)
In the first embodiment, the case where the wireless communication unit 103 of the payment terminal 100 is included in the payment terminal 100 is shown. However, as shown in FIG. 2, the payment terminal communicates with the payment terminal main body 200 and the payment terminal main body. The wireless communication unit 203 is included in the personal identification number input unit 250, the settlement terminal 200 is installed on the store clerk side, and the personal identification number input unit 250 is installed on the customer side. The same applies to this case.

  The payment system, the payment terminal, and the confirmation method of the present invention confirm that the user is the owner of the payment method using a portable information terminal such as a mobile phone instead of a payment card without increasing the cost of the portable information terminal. This is industrially useful because it can provide a means for verifying the identity of the user and provide a secure payment method.

The system block diagram in Embodiment 1 of the payment system of this invention, a payment terminal, and the payment confirmation method The system block diagram in Embodiment 2 of the payment system of this invention, a payment terminal, and the payment confirmation method System configuration diagram for conventional card payment System configuration diagram for payment using a conventional mobile phone instead of a payment card

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Payment terminal 101 ... Display part 102 ... Keyboard 103 ... Wireless communication part 104 ... Printer 105 ... Communication line 110 ... Communication network 120 ... Card company 121 ... Payment server 122 ... storage unit 123 ... input unit 130 ... mobile phone 131 ... storage unit 132 ... wireless communication unit 140 ... mobile phone communication network 200 ... payment terminal 201 Display unit 202 ... Keyboard 203 ... Wireless communication unit 204 ... Printer 205 ... Communication line 210 ... Communication network 220 ... Card company 221 ... Payment server 222 ... Storage Unit 223 ... Input unit 230 ... Mobile phone 231 ... Storage unit 232 ... Wireless communication unit 240 ... Mobile phone Communication network 250 ... PIN input unit 300 ... Payment terminal 301 ... Display unit 302 ... Keyboard 303 ... Card reader 304 ... Printer 305 ... Communication line 310 ... Communication network 320 ... Card company 321 ... Settlement server 330 ... Settlement card 400 ... Settlement terminal 401 ... Display unit 402 ... Keyboard 403 ... Wireless communication unit 404 ... Printer 405 ... Communication line 410 ... Communication network 420 ... Card company 421 ... Payment server 430 ... Mobile phone 431 ... Storage unit 432 ... Wireless communication unit 440 ... Mobile phone communication network

Claims (12)

A payment system including a portable information terminal, a payment server, and a payment terminal, wherein the portable information terminal is stored in a storage unit that stores payment card information and identification information of the portable information terminal, and the storage unit. A communication unit that transmits the payment card information and identification information of the portable information terminal to the payment terminal, and the payment server stores personal information of the payment person in association with the identification information of the portable information terminal. And a communication unit that receives the identification information of the portable information terminal from the payment terminal and transmits personal information searched based on the identification information to the card terminal, wherein the payment terminal is the portable information terminal A first communication unit that receives payment card information and identification information of the portable information terminal, and transmits the identification information to the payment server and receives personal information from the payment server. Payment system which performs a second communication unit, and an output unit for outputting the personal information received from the payment server, the confirmation of the payer, based on the personal information outputted by the output unit of the payment terminal. The payment terminal includes a payment terminal main body and a password input unit that communicates with the payment terminal main body, the payment terminal main body includes an output unit that outputs personal information received from a payment server, and the payment terminal main body The payment system according to claim 1, wherein the payment system is arranged on the clerk side. 3. The settlement system according to claim 1, wherein the output unit is a display unit that displays a screen and / or a printing unit that prints characters. The payment system according to any one of claims 1 to 3, wherein the portable information terminal is a mobile phone, and the identification information of the mobile information terminal is a phone number of the mobile phone. The payment system according to any one of claims 1 to 4, wherein the personal information output by the output unit of the payment terminal is a signer's signature data. The first receiving unit that receives the payment card information and the identification information of the portable information terminal from the portable information terminal, and the payment server that stores the personal information of the settlement person in association with the identification information of the portable information terminal. A second communication unit that transmits the identification information received from the information terminal and receives the personal information retrieved by the payment server based on the identification information from the payment server; and the personal information received from the payment server. A payment terminal comprising an output unit for output. The payment terminal includes a payment terminal main body and a password input unit that communicates with the payment terminal main body, the payment terminal main body includes an output unit that outputs personal information received from a payment server, and the payment terminal main body The payment terminal according to claim 6, which is arranged on the store clerk side. The settlement terminal according to claim 6 or 7, wherein the output unit is a display unit for displaying a screen and / or a printing unit for printing characters. The settlement terminal according to any one of claims 6 to 8, wherein the mobile information terminal is a mobile phone, and the identification information of the mobile information terminal is a phone number of the mobile phone. The payment terminal according to any one of claims 6 to 9, wherein the personal information output by the output unit of the payment terminal is a signer's signature data. A step of storing personal information of a settlement person in association with identification information of a portable information terminal in a payment server, a step of storing payment card information and identification information of the portable information terminal in the portable information terminal, and the portable information terminal Transmitting the payment card information and identification information of the portable information terminal from the payment terminal to the payment terminal, and transmitting the identification information of the portable information terminal received from the portable information terminal from the payment terminal to the payment server; Transmitting the personal information retrieved based on the identification information received from the payment terminal in the payment server from the payment server to the payment terminal; and outputting the personal information received from the payment server to the payment terminal. A payment confirmation method comprising the steps of: 12. The settlement confirmation method according to claim 11, wherein the personal information output to the output unit of the settlement terminal is a settlement person's signature data.

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